【摘要】：隨著經(jīng)濟全球化的發(fā)展和金融體制改革的逐步深入,傳統(tǒng)存貸款業(yè)務(wù)形成的利差收入作為商業(yè)銀行的主要利潤來源,其利潤空間逐漸被壓縮,大型商業(yè)銀行的利息凈收入的增長率普遍下降,下降最嚴重的是交通銀行,從2010年的27.7%下降到2014年的3.2%。而基于新興信息技術(shù)的電子銀行業(yè)務(wù),憑借其快捷、方便、功能豐富等特性,逐漸被越來越多的用戶所認可,其柜臺業(yè)務(wù)替代率也是逐年迅速增加,目前平均柜面替代率已高達81.9%,對商業(yè)銀行經(jīng)營利潤的貢獻度愈發(fā)顯著。電子銀行業(yè)務(wù)對商業(yè)銀行業(yè)績有貢獻是顯而易見的,但現(xiàn)階段電子銀行業(yè)務(wù)發(fā)展也存在一定的制約因素。電子銀行業(yè)務(wù)對技術(shù)環(huán)境要求相對較高、前期投入大、與傳統(tǒng)業(yè)務(wù)有效整合困難、客戶群接受程度不一等問題的存在,使得電子銀行業(yè)務(wù)的優(yōu)勢還沒有完全顯現(xiàn)。因此,現(xiàn)階段電子銀行業(yè)務(wù)對商業(yè)銀行績效的貢獻程度如何,就成為各商業(yè)銀行當前最關(guān)心的問題之一,這也是本文的研究目的。國內(nèi)外相關(guān)文獻的研究大多集中于股權(quán)結(jié)構(gòu)、銀行規(guī)模、市場結(jié)構(gòu)、財務(wù)指標對商業(yè)銀行績效的影響,面對電子銀行業(yè)務(wù)逐漸替代銀行柜面業(yè)務(wù)的大背景,十分有必要深入剖析這種業(yè)務(wù)結(jié)構(gòu)調(diào)整對銀行績效的影響。因此本文主要通過將電子銀行業(yè)務(wù)納入到商業(yè)銀行績效評價體系中,分析電子銀行業(yè)務(wù)對我國商業(yè)銀行績效的影響。本文分析電子銀行業(yè)務(wù)的現(xiàn)狀,并通過分析電子銀行業(yè)務(wù)對手續(xù)費及傭金收入的影響以及手續(xù)費及傭金收入變動對營業(yè)收入的影響,從而間接得出電子銀行業(yè)務(wù)對銀行營業(yè)收入的影響現(xiàn)狀。在此基礎(chǔ)上,通過DEA方法將電子銀行業(yè)務(wù)收入作為其中一項投入指標,實證分析電子銀行業(yè)務(wù)對我國商業(yè)銀行的績效影響,并對我國商業(yè)銀行如何改善和發(fā)展電子銀行業(yè)務(wù)以提高自身績效提出建議。
[Abstract]:With the development of economic globalization and the deepening of financial system reform, the profit space of traditional deposit and loan business, which is the main profit source of commercial banks, has been gradually compressed. Net interest income growth at large commercial banks generally fell, with the biggest drop being at Bank of Communications, which fell from 27.7 percent in 2010 to 3.2 percent in 2014. The electronic banking business based on the new information technology has been recognized by more and more users by virtue of its fast, convenient and rich functions, and the replacement rate of its counter business is also increasing rapidly year by year. At present, the average counter substitution rate is as high as 81.9%, and the contribution to commercial banks' operating profit is becoming more and more significant. The contribution of electronic banking to the performance of commercial banks is obvious, but there are some restrictive factors in the development of electronic banking. Due to the relatively high requirements of the technical environment, the large investment in the early stage, the difficulty of effective integration with the traditional business and the different acceptance of the customer base, the advantages of the electronic banking business have not been fully displayed. Therefore, at present, the contribution of electronic banking to the performance of commercial banks has become one of the most concerned issues of commercial banks, which is also the purpose of this paper. Most of the domestic and foreign literature focus on equity structure, bank size, market structure, financial indicators on the performance of commercial banks, in the face of electronic banking business gradually replace the large background of bank counter business. It is necessary to analyze the effect of this kind of business structure adjustment on bank performance. So this paper mainly analyzes the effect of electronic banking on the performance of commercial banks in China through the integration of electronic banking into the performance evaluation system of commercial banks. This paper analyzes the current situation of electronic banking business, and analyzes the impact of electronic banking business on fees and commission income, as well as the impact of changes in fees and commission income on operating income. Thus indirectly obtains the electronic banking business to the bank operating income influence present situation. On the basis of this, we take the income of electronic banking as one of the input indicators through DEA method, and empirically analyze the effect of electronic banking on the performance of commercial banks in China. Suggestions on how to improve and develop electronic banking business in order to improve their own performance are put forward.
【學(xué)位授予單位】：杭州電子科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2016
【分類號】：F832.2;F724.6

【引證文獻】

相關(guān)碩士學(xué)位論文 前1條

1 牛宇;電子銀行業(yè)務(wù)對商業(yè)銀行績效的影響研究[D];貴州財經(jīng)大學(xué);2017年

，

本文編號：2121910